Regular Savings Account

    We will help you find a way to achieve your goals!


    • Open your account with a minimum of JA$2500
    • JN 24/7 ATM card
    • Competitive interest rates


    • Discounts from almost 200 merchants with your JN card
    • Online banking using JN LIVE 
    • Free transactions at JN ATMs
    • 10% discount on Jamaica Automobile Association membership fee
    • 20% discount on motor vehicle insurance with JN General Insurance Company Ltd.
    • You must be 18 years or older
    • Proof of your address. At least one of the following:
      • Utility bill not older than six months
      • Receipt
      • Other bills
    • Proof of employment- letter from employer, pay slip, valid work ID (if self-employed, the nature of self-employment)
    • Telephone number(s) – (home, work and mobile)
    • Current and valid photo identification
    • Taxpayer Registration Number (TRN) OR Jamaican Driver’s licence bearing this number
    • Occupation and name of employer (if self-employed, the nature of self-employment)
    • Name and contact number for Two (2) references
    • The minimum amount of JA$2500 required for opening the account
    • Source of funds/ Proof of income

    How is interest calculated on my regular savings account?

    The interest on your savings account is calculated daily and paid once per year.

    Is the interest on my money in my regular savings account taxed?

    Yes. The interest on your savings is subject to a withholding tax of 25%.

    How can I check the balance in my account without visiting a branch or MoneyShop?

    Banking with JN is convenient and easy. You can check the balance in your account at your convenience using our online banking platform JN LIVE. To register, visit

    Can I transfer funds from my account to other accounts online?

    Of course you can. Register to use our online banking platform, JN LIVE, by visiting, and transfer funds from your account to your other JN accounts or third party JN account holders, or to accounts at other local commercial banks. You can also wire funds to banks overseas using JN LIVE.

    Can I borrow against funds in my regular savings account to access a loan from JN Bank?

    No, you cannot use savings in your JN FX account to secure loans from JN.  You can only use savings in select JN Bank contractual savings accounts to access a Term Share loan.

    Can I open a regular account at a JN Bank MoneyShop?

    Yes, you may visit any JN MoneyShop to open your account. Visit our ATM/ Branch locator page to find your closest JN MoneyShop or branch and opening hours.

    Do I have access to any benefits from the JN Group by having a regular account at JN Bank?

    Yes, you can access a wide range of discounts at other companies in the JN Group, such as the Jamaica Automobile Association and JN General Insurance Company; and, you can use your JN ATM card to access discounts from several merchants who are a part of the JN Rewards programme.